West Virgina Cosmetology Insurance Requirements
Excellent-rated cosmetologist liability insurance that covers beauty professionals for more than 450+ beauty and wellness services. No membership fee, no quote process. Get fully covered for less than 49 cents per day, in under five minutes.
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Dual-practitioners welcome with 450+ modalities covered
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$500+ in Exclusive Member Benefits
West Virginia Cosmetology Insurance Cost
Our part-time policy covers you for 10 hours or less (the highest in the industry) and has the same coverage as the full-time policy. Also, save $78 by getting the 2-year cosmetology insurance policy.
full time
1 Year (12 mo)
$179
professional
2 Years (24 mos)
$329
Student
1 Year (12 mo)
$60
If you are in the cosmetology, esthetics, or nail technology industry in West Virginia, then you should consider purchasing cosmetologist insurance. As it is with any other profession that involves giving “hands-on” therapies, being a cosmetologist is inherently risky.
You may tend to think that your cosmetology practice is low risk and compared to some other professions, it is. But, while your risks don’t seem that great, situations can arise that are outside of your control and you need to adequately protect yourself and your career against these possibilities.
Sometimes self-employed cosmetologists think twice about paying for insurance but in the event if a lawsuit, the cost of insurance premiums would probably be a small fraction of the amount you may have to pay for legal defenses and any monetary judgment that is entered against you. Whether you’re a student, an independent contractor or an employee of a beauty shop, West Virginia cosmetology insurance is essential.
West Virginia Cosmetology License Requirements
In order to gain a license to practice as a cosmetologist in the state of West Virginia, individuals must complete at least 1800 hours of training. Those who want to become estheticians and nail technicians must complete 600 hours and 400 hours of training, respectively. After completing the requisite training, students must pass a licensing exam issued by the Board of Cosmetology. The board also accepts work experience in lieu of part of the requisite training and allows licensed cosmetologists from other states to transfer to West Virginia (license reciprocity).
Like in many other states, cosmetologists in West Virginia are not required to possess liability insurance. However, it is recommended that qualified cosmetologists, estheticians and nail technicians obtain liability insurance to protect themselves and their professions.
West Virginia Cosmetology Insurance Highlights
While you may not have considered it, professional insurance is an investment every cosmetologist should make.
As a cosmetologist operating in West Virginia, you perform beauty therapies that help your clients to achieve their best look. While you would never do anything to intentionally cause property damage or bodily harm to your clients, unforeseen problems can happen. Imagine that a skin care product, such as oil or cream, you use on a customer causes an allergic reaction that needs medical attention. Or your hair dryer malfunctions, causing your client to sustain burns. These things are outside your control and a good cosmetology insurance policy can be a low-cost safety net.
Litigation can quickly and easily reach hundreds of thousands of dollars for the cost of legal fees, court costs, court ordered damages and the cost of settlements. Without the right coverage, you could lose your savings, assets, and even future earnings. Don’t take the risk. Get cosmetology insurance today to protect your livelihood.
NACAMS Professional Policy
for Cosmetologists
These rates may differ based on your primary modality
What Our Customers Are Saying
We are proud that NACAMS is rated a 4.7/5 (Excellent) on Truspilot. Read some of our reviews below!
It was a no brainer that I would choose Nacams as my liability insurance. You get a better value at a reasonable cost.
Sally
This is a very easy, efficient, affordable and well crafted solution which avoids the horrific confusion that most insurance provided cannot seem to avoid.
Elizabeth
I feel confident with Nacams insurance in my reiki business.
Nancy
Love this Company! Very easy to move around and shop for the best policy, not to mention the best price!
Suzanne
While my customers do sign a liability waiver on behalf of the business where I am an employee, I'd prefer to have this backbone behind me protecting my person and any damage an unruly person could assert. Thank you NACAMS for protecting me professionally!
Jenn
Very easy and straightforward. Easy to locate my modalities on the website to ensure they are covered.
James